Important Message to NCCYou Members

President/CEO Trina Hoff–urges members to take a stand for credit unions.

0% APR* for one year on balance transfers!

Transfer your high-interest credit card balances to a NCCYou Visa and enjoy 0% APR* for one year! Don’t wait–this offer ends May 30th.

APR=Annual Percentage Rate. Members enjoy 0% interest rate for 12 months on balance transfers, with a fee of 2% of the balance or a minimum of $5.
After 12 months, the rate will revert to the standard rate. Terms and conditions apply, subject to credit approval. Federally insured by the NCUA.

Stop by your local branch today.

Shift Into Savings—Auto Loans Made Simple

Planning to purchase a new or used vehicle? We can help.

Start Driving

6/13 Managing Money–A Caregiver’s Guide to Finances.

If you or someone you know is facing Alzheimer’s disease, dementia or another chronic illness, it’s never too early to put financial plans in place.
Join us at this lunch and learn to discover tips for managing someone else’s finances, how to prepare for future care costs and the benefits of early planning.

Help us improve!

After a visit or interaction with us, you may receive a quick survey. We’d love to hear your thoughts.
Your feedback will help us make things better and shape the future of NCCYou!

Welcome to NCCYou!

At Northern Communities Credit Union (NCCYou), everything revolves around YOU—our products, services, community engagement, and financial education programs all aim to support you.

NCCYou has been committed to serving our members and communities in Northern Minnesota since 1928. We operate under the model “People helping people.” That means your money comes back to you in the form of better lending rates, lower fees, support for your community and more.

Financial Services with YOU in mind

Join our community today and discover the benefits of being a member, including personalized service, lower fees, and a commitment to your financial well-being.

Learn More about Membership

NCCYou Products and Services

Accounts

Our member accounts provide a seamless banking experience, empowering you to manage your finances efficiently and confidently. Whether you’re looking to save for the future, access convenient checking options, or take advantage of our savings, certificates, or money market accounts. Our diverse range of offerings has something for everyone.

Open a Savings Account

Loans

Unlock your financial potential with our loan offerings! We provide competitive rates and flexible terms, making it easier for you to achieve your goals, whether it’s consolidating debt, funding home improvements, or managing unexpected expenses. As a member-focused institution, we consider factors beyond your credit score to help you secure the financing you need.

Start the Loan Process

Retirement and Investing Services at NCCYou

Investment and Retirement Services

Discover financial empowerment with our Investment and Retirement Services. We’re dedicated to helping you turn your financial goals into reality through personalized guidance, comprehensive planning, and expert advice. Whether you’re just starting to save or preparing for retirement, we provide the tools and support to help you confidently navigate your financial journey.

Start your Journey

Financial Education

We are dedicated to empowering our members through comprehensive educational services. Our programs offer valuable resources, from workshops and interactive tools to personalized financial counseling. We focus on equipping individuals of all ages with essential budgeting, saving, and investing skills, ensuring you can make informed financial decisions.

Learn more about our FLi Program

BankSafe™ Trained Seal from AARP

We are proud to be recognized for our commitment to fighting exploitation. As part of the BankSafe program, NCCYou has received AARP verification, with at least 80% of our frontline staff successfully completing the BankSafe training and implementing a financial exploitation escalation reporting policy.